Terms of Service

Last Updated: 7 April 2026

A. Acceptance of Terms

By accessing or using the website visionandinacoi.com (the "Website") or any educational services offered by Visión Andina, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you should not use this Website or our services.

These Terms constitute a legally binding agreement between you and Visión Andina, operating from Cra. 47 #79-129, Norte Centro Histórico, Barranquilla, Atlántico, Colombia. These Terms are governed by the laws of the Republic of Colombia, including Law 527 of 1999 (Electronic Commerce Law) and Law 1480 of 2011 (Consumer Protection Statute).

We reserve the right to update these Terms at any time. Continued use of the Website following the posting of updated Terms constitutes acceptance of those changes. We will indicate the date of the most recent revision at the top of this page.

B. Description of Services

Visión Andina provides an online educational platform offering the following services:

• Online courses on topics related to international money transfers, remittance management and personal financial planning for cross-border income.
• Live webinars conducted via video conferencing platforms, covering educational topics relevant to Colombians living abroad and families receiving remittances.
• Educational consulting sessions, conducted individually or in groups, in which participants receive information and education about financial topics relevant to their situation.
• Informational content published on this Website relating to financial literacy for the Colombian diaspora.

Access to specific services may require prior registration and may be subject to additional terms communicated at the point of registration.

C. Educational Nature of Services — Important Disclaimer

All content, courses, webinars and consulting services provided by Visión Andina are educational and informational in nature only. The following limitations apply and must be clearly understood before using our services:

• Visión Andina is not a financial institution, bank, money transfer operator, exchange house, or any kind of regulated financial service provider.
• We do not move, transfer, hold, exchange, or intermediate money or financial assets of any kind.
• We do not provide personalised financial advice, investment recommendations, or any service that would constitute the provision of regulated financial services under Colombian law.
• The educational content we provide describes how financial systems work in general terms. It does not constitute advice tailored to your individual financial circumstances.
• Any decisions you make regarding financial products, transfer services, or money management are your own responsibility. Visión Andina accepts no liability for financial decisions made based on educational content consumed through our platform.

If you require personalised financial advice, we encourage you to consult a duly licensed and regulated financial professional in your country of residence.

D. User Obligations

By using this Website and our services, you agree to the following:

• You will provide accurate and truthful information when registering for services or submitting contact forms.
• You will use the Website and its content solely for lawful purposes and in a manner consistent with these Terms.
• You will not reproduce, distribute, modify, or create derivative works from any content published on this Website without prior written permission from Visión Andina.
• You will not use automated tools, bots, or scraping technologies to access or extract content from this Website.
• You will not attempt to gain unauthorised access to any part of the Website, its servers, or any systems connected to it.
• You will not use our services to engage in any activity that is illegal under applicable Colombian law or the laws of your country of residence.

We reserve the right to suspend or terminate access to our services for any user who violates these obligations.

E. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, course materials, webinar recordings, and the overall design and layout of the Website, is the intellectual property of Visión Andina or its licensors and is protected under applicable Colombian intellectual property law, including Law 23 of 1982 on copyright.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Website and its content for your personal, non-commercial educational purposes only. This licence does not include the right to:

• Reproduce or distribute educational materials beyond personal use.
• Create derivative works based on our content without written consent.
• Use our branding, logos or trade names for any purpose without prior written authorisation.

Any unauthorised use of our intellectual property may result in legal action under applicable Colombian law.

F. Limitations of Liability

To the fullest extent permitted by applicable Colombian law:

• Visión Andina provides the Website and its content on an "as is" and "as available" basis, without warranties of any kind, express or implied.
• We do not warrant that the Website will be available at all times, free from errors, or that any defects will be corrected.
• We are not liable for any direct, indirect, incidental, special or consequential damages arising from your use of, or inability to use, the Website or our educational services.
• We are not responsible for the accuracy, completeness or currency of any third-party information referenced in our educational content. Financial regulations, transfer fees and exchange rates change frequently and our educational content may not reflect the most current information at any given time.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, or for any other liability that cannot be excluded under applicable Colombian consumer protection law.

G. Third-Party Links and References

Our Website may contain links to third-party websites or references to third-party services for educational purposes. These links and references are provided for informational convenience only. Visión Andina does not endorse, control or take responsibility for the content, privacy practices or services of any third-party website or service referenced on this Website.

Accessing third-party websites through links on our Website is done at your own risk and subject to the terms and conditions of those third-party websites.

H. Modifications to Services and Terms

Visión Andina reserves the right to modify, suspend or discontinue any aspect of the Website or its educational services at any time, with or without notice. We also reserve the right to amend these Terms at any time. The date of the most recent revision is indicated at the top of this page.

Where modifications to these Terms are material, we will take reasonable steps to bring them to your attention, which may include a notice posted on the Website. Your continued use of the Website after the posting of revised Terms constitutes your acceptance of those changes.

I. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of Colombia, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent courts of Barranquilla, Atlántico, Colombia.

Before initiating any legal proceedings, the parties agree to attempt to resolve any dispute through good-faith negotiation. If a dispute cannot be resolved through negotiation within 30 calendar days, either party may pursue the matter through the applicable legal channels.

Users who are consumers under Colombian Law 1480 of 2011 retain all rights afforded to consumers under that statute, including the right to file complaints with the Superintendencia de Industria y Comercio (SIC).

J. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: info@visionandinacoi.com
• Telephone: +57 605 385 3779
• Address: Cra. 47 #79-129, Norte Centro Histórico, Barranquilla, Atlántico, Colombia